Independent insurance-cost data from public records.
Planning reference
Find states that better fit the public cost-and-care signals you choose, then compare finalists—without pretending those signals add up to your retirement budget.
State-level benchmarks are not local prices, insurance quotes, or personalized financial advice. Each row keeps its original source year.
Run the match to color all 50 states plus D.C. and reveal places worth researching.
Detailed follow-up
Send a state from the fit results here, or choose two places directly. Exact source values stay separate and are never added into a budget.
Price levels, a Census housing benchmark, residential energy, homeowners-market context, healthcare-price research, nursing-home bed supply, and recent NFIP transactions. These benchmarks overlap and are never totaled.
Methodology and sources
Housing already includes several utility, tax, and insurance components. Electricity, natural-gas price, homeowners-market data, and NFIP are therefore comparison context—not extra amounts to add. BEA price parity compares places within 2024 and is not an inflation rate. The fit score converts each selected signal to a 0–100 within-snapshot percentile, averages components inside a dimension, then applies your visible weights. A place must have every selected value to be ranked. Care access and quality combines certified-bed supply, CMS long-stay quality measures, and adjusted nurse staffing. CMS inspection stars are local context only because their cut points differ by state. Nursing-home operating expense is shown separately and never affects fit: lower provider expense is not proof of lower resident prices or better care.
Selected state and U.S. rows for all-items and goods price parities; retained the published indexes.
Primary source: https://apps.bea.gov/regional/zip/SARPP.zipExtracted the 51 state/D.C. aggregate combined commercial-and-Medicare 2021 price levels and multiplied the normalized source values by 100 for display.
Primary source: https://www.bea.gov/sites/default/files/papers/bea-wp2026-17.pdfSummed male estimates 20–25 and female estimates 44–49 for the state and U.S. age-65-plus populations used as nursing-home bed-rate denominators.
Primary source: https://www2.census.gov/programs-surveys/acs/summary_file/2024/table-based-SF/data/1YRData/acsdt1y2024-b01001.datJoined state GEO_ID values through Geos20241YR.txt and retained B25064_E001 as monthly dollars.
Primary source: https://www2.census.gov/programs-surveys/acs/summary_file/2024/table-based-SF/data/1YRData/acsdt1y2024-b25064.datJoined state GEO_ID values through Geos20241YR.txt and retained B25088_E002 and B25088_E003 as monthly dollars.
Primary source: https://www2.census.gov/programs-surveys/acs/summary_file/2024/table-based-SF/data/1YRData/acsdt1y2024-b25088.datSelected the 50 states and District of Columbia and used GEO_ID to join the admitted ACS tables.
Primary source: https://www2.census.gov/programs-surveys/acs/summary_file/2024/table-based-SF/documentation/Geos20241YR.txtValidated provider identities, processing date, admitted values, and state-scoped county labels; aggregated beds, paired resident utilization, CMS ratings, adjusted staffing, deficiencies, flags, and penalties for states and counties. Territories were excluded. A state with any blank bed value is not given a bed-supply rate.
Primary source: https://data.cms.gov/provider-data/sites/default/files/resources/328596835e6db31b2564cd733c3795f4_1786724150/NH_ProviderInfo_Aug2026.csvValidated the exact dataset title, modified date, and single CSV distribution before retrieving Provider Information.
Primary source: https://data.cms.gov/provider-data/api/1/metastore/schemas/dataset/items/4pq5-n9pyFor recognized states and D.C., retained valid 300–380-day reports with positive operating expense and total days; selected one report per CCN by longest period, latest fiscal end, then greatest numeric report ID; divided provider-reported operating expense by total resident days and took the median retained-facility value. Structured collection counts are stored with this source.
Primary source: https://data.cms.gov/sites/default/files/2025-11/34ea98e4-20f4-42f7-b5b2-616d35b0fe93/CostReportsnf_Final_23.csvSelected each state, District of Columbia, and U.S. Total from the Average Monthly Bill column; retained source precision.
Primary source: https://www.eia.gov/electricity/sales_revenue_price/xls/table_5A.xlsxSelected Table F33 state and U.S. labels and retained only the first Residential field under Prices in dollars per million Btu; expenditure and other-sector fields were excluded.
Primary source: https://www.eia.gov/state/seds/data.php?incfile=%2Fstate%2Fseds%2Fsep_fuel%2Fhtml%2Ffuel_pr_ng.html&sid=USCopied avg_premium from the exact current OOSTN state rows and the matching latest nationalTrend period; excluded territories.
Primary source: https://www.fema.gov/openfema-data-page/nfip-redacted-policies-v3Unweighted arithmetic mean of public FIO ZIP-row premium-per-policy values grouped by state; suppressed ZIP rows remain absent.
ZIP rows are present only where the public FIO release met disclosure thresholds.
The FIO public metrics exclude flood insurance, residual market plans, excess and surplus lines, and reinsurance.
The release covers 2018-2022 and does not include 2023 or 2024 market changes.
Primary source: Treasury FIO homeowners metrics workbookSelections are calculated only in this browser tab. They are not put in the URL, stored, or included in analytics or session replay. This tool does not identify a universally best state or recommend a move, insurance product, or investment. Climate, neighborhoods, taxes, food, transportation, family proximity, current provider availability, and sourced private-pay long-term-care prices are not included. When a state is reviewed, its code is sent only to this site's first-party county-data route; no personal or dollar input is sent or stored.
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